# JMO vs POSPAY

The clearest difference is ads: JMO at none against POSPAY's shown. JMO also leads on rating (2.1 vs 1.7) and monetization model (free vs free with in-app purchases). POSPAY's advantage is review sentiment (15% vs 0%). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

JMO holds the better App Store score, 2.1 against 1.7. Both are backed by a comparable volume of ratings — 22 and 11 respectively. Written reviews complicate that: 0% of JMO's written reviews are positive against 15% of POSPAY's, so the app with the better star average is not the one people write more warmly about.

JMO ships an update monthly, POSPAY every 6 weeks. The most recent releases landed on August 17, 2026 and June 11, 2026 respectively.

## The numbers

| Metric | JMO | POSPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.1 (22 ratings)](https://appshunter.io/ios/app/jmo-jamsostek-mobile/id1444834757/reviews)** | [1.7 (11 ratings)](https://appshunter.io/ios/app/pospay/id1542001621/reviews) |
| Number of ratings | **22** | 11 |
| Positive reviews | 0.0% of reviews | **15.3% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 140 MB | 155 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [BPJS Ketenagakerjaan](https://appshunter.io/developer/834834029) | [PT. Pos Indonesia (Persero)](https://appshunter.io/developer/1542001623) |

## What reviewers say

### JMO

[App page](https://appshunter.io/ios/app/jmo-jamsostek-mobile/id1444834757)

Access BPJS Ketenagakerjaan services digitally without visiting an office. Manage your data, track claims, pay contributions, and view your balance. Offers a digital card, service location finder, and important news.

**Highlights:** Data updates, JHT claim submission and tracking, BPU segment contribution registration and payment, JHT and JP balance simulation, Balance check, Digital card, Service channel locations

**In-app purchases:** none


### POSPAY

[App page](https://appshunter.io/ios/app/pospay/id1542001621)

This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments.  It extends the reach of PT Pos Indonesia's extensive service network.

**Highlights:** Bill payment for utilities, installments, and more, Instant money transfers via Weselpos Instan, Giropos account management, QR code scanning for merchant payments, Financial planning tools

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is JMO free?

JMO is free to download, with no in-app purchases.

### Is POSPAY free?

POSPAY is free to download, with no in-app purchases.

### Which has better reviews, JMO or POSPAY?

JMO is rated higher. JMO averages 2.1 out of 5 from 22 ratings, while POSPAY averages 1.7 from 11 ratings.

### Do JMO or POSPAY have ads?

POSPAY shows ads; JMO does not.

### Which is updated more often, JMO or POSPAY?

JMO ships an update monthly, and POSPAY every 6 weeks. Most recently, JMO was updated on August 17, 2026 and POSPAY on June 11, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*